Bank of America Corporation

Thomas A Sodano

Manu Jacob Kurian

Paul Roscoe

Ashwin Roongta

Anuj Shah

Yvonne Y Li

Zhexiao Zhang

William McCann

Leslieann Osborne

Aaron Blogg

Alicia C Jones-McFadden

Morgan Stewart Allen

Linda Smeraldi-Lopez

Kevin L Kralman

Abhishek Amatya

Systems, computer program products, and methods are described herein for automatically generating resource distributions. The present invention may be configured to receive a text-based instruction and parse, using a machine learning model, the text-based instruction to generate a structured resource distribution including predicted distribution elements. The present invention may be configured to generate, based on the structured resource distribution, a resource distribution. In some embodiments, the text-based instruction may include an email message, an SMS message, recorded speech converted to text, text input to a chat function, text recognized in an image, and/or the like.

Electronic system for automatically generating resource distributions based on SMS-based instructions using machine learning

Systems, computer program products, and methods are described herein for automatically generating resource distributions. The present invention may be configured to receive a text-based instruction and determine, based on the text-based instruction, a sender alias from which the text-based instruction was sent. The present invention may be configured to determine, based on user data in a user information data structure, a user associated with the sender alias, determine, based on user data associated with the user in the user information data structure and based on predicted distribution elements from a machine learning model, actual distribution elements, and generate, based on the actual distribution elements, a resource distribution.

Aspects of the disclosure relate to methods, systems, and computing platforms for authenticating activity on another computing device in real-time using a mobile device on a high generation cellular network. Aspects of the disclosure leverage and utilize a user's mobile device connected to a high generation cellular network to collect and analyze data about a user to seamlessly identify and prevent potentially fraudulent transactions. More specifically, the present disclosure uses high generation cellular networks, such as a fifth-generation ('5G') cellular network, to seamlessly, frequently, and repeatedly monitor a user through a 5G mobile device to provide a variation on two-factor authentication. Aspects of the disclosure provide effective, efficient, scalable, fast, reliable, and convenient technical solutions that address and overcome the technical problems associated with monitoring and preventing in real-time potential fraudulent transactions without burdening users (e.g., credit card holders, debit card holders, account holders, and others).

Real-time authentication using a mobile device on a high generation cellular network

An automated teller machine includes a camera, a memory, and a hardware processor. The camera captures video data from a user, including at least one hand movement. The processor receives the video data from the camera and splits it into a sequence of images. The processor then splits each image into a set of features and forms vectors from the features. The processor uses the vectors to determine if each image belongs to a subset of images corresponding to a motionless sign-language pattern, or to a subset of images corresponding to a moving sign-language pattern. The processor stores the words and/or phrases assigned to each identified sign-language pattern in an input phrase. The processor determines that the input phrase represents a user request and then processes the request.

Sign-language automated teller machine

A system that includes a network device, an access controller, and a data vault. The network device is configured to receive a first tokenized sub-string, combine a second tokenized sub-string with the first tokenized sub-string to generate an initiation token, and send the initiation token to the access controller. The access controller is configured to validate the initiation token and to send connection information comprising a connection identifier to the network device and send a post-action verification token to a data vault in response to validating the initiation token. The network device is further configured to send a network connection request comprising the connection identifier to the data vault. The data vault is configured to receive the network connection request, determine that the post-action verification token linked the connection identifier has been received, establish a network connection with the network device, and exchange data with the network device.

Dynamic network connections for data access control and information security

Systems for dynamically controlling file transfers are provided. In some examples, a system, may receive a request to transfer a file from a first location to a second location. Prior to transferring the file, the file may be evaluated to determine whether one or more dynamic controls should be implemented. If dynamic controls should be implemented, the file may be transferred from the first location to a file distribution control computing system until an instruction to transfer the file is executed. The system may identify one or more dynamic controls to implement based on one or more machine learning datasets. In response to implementing the dynamic controls, additional data may be received. If the additional data fulfills the one or more dynamic controls, the file may be released and an instruction to transfer the file to the second location may be generated, transmitted and/or executed. In some examples, transfer may be to multiple downstream locations.

Growing community of inventors

New York, NY, United States of America

Thomas A Sodano